PowerPoint Presentation MANAGEMENT DISCUSSION & ANALYSIS A f t e r Y o u P u b l i c C o m p a n y L i m i t e d Q3/2023 1 Financial Performance Management Discussion & Analysis Q3/2023 Executive

capital requirements in 2019, and preparations for International Financial Reporting Standards (IFRS9), as well as development of digital platform to help expand customer base and income from financial

government expenses. The government expenses play a key role to support the Thai economy in 2020 and earmarked to better help the economy in the next phase. It is expected that the government will accelerate

time, we have focused on collaboration and synergy with other companies within KASIKORNBANK FINANCIAL CONGLOMERATE, Muang Thai Life Assurance Public Company Limited and our business partners, for service

segments, we focus on creating innovations and managing financial products, as well as reinforcing our sales and service quality excellence, with greater consideration of consumer protection in order to

expressed its interest in providing the assistance for the debt restructuring of the Company and started conducting legal, accounting and financial due diligence. SSG Group found that the due diligence

Osotspa Public Company Limited Management’s Discussion and Analysis (MD&A) Q1’20 Consolidated Financial Results 12 May 2020 Q1’20 Management Discussion & Analysis Page 1/6 Financial Highlights

and profits through consolidation of financial statements of the Subsidiary that will invest in this project. Therefore, the transaction is deemed reasonable and beneficial and will help enhance the

issued epidemic control measures for COVID 2019. The Company and its subsidiaries (“the Group” ) had fully cooperated to help reducing the spread of infection and coming first the consideration of customer

investor on a private placement basis and has a strong financial status. Therefore, this capital increase will help to support the Company’s financial liquidity, capital structure, potential for generating